Hazelgrove Lending Group helps landscaping and lawn care companies in Redding, CA and Shasta County compare landscaping business loans: equipment financing for mowers, trailers and trucks, lines of credit for crews and materials, and working capital. Shasta County counted 65 landscaping employers and 263 no-payroll landscapers. This page covers their costs, a mower example and partner review.
| Landscaping employers, Shasta County, CA (2023) | 65 |
|---|---|
| Under five employees | 66.2% |
| In ZIP 96001 | 13 |
| No-payroll landscapers (2024) | 263 |
| Needs this page covers | Mowers, trailers, trucks, crew payroll |
| Structures to compare | Equipment financing, lines of credit |
Maintenance routes and installation jobs
Recurring maintenance accounts (weekly or biweekly mowing, pruning, irrigation checks) can bring steadier income. Installation work (planting, hardscape, irrigation systems) brings larger invoices but requires materials, rented or owned machines and extra crew before the client pays. A company can mix both, and the installation side is where funding questions can start.
How much does it cost to run a landscaping business?
There is no single figure, and none is quoted here, but the cost lines include equipment (mowers, trimmers, blowers, aerators, trailers), vehicles and fuel, crew wages, materials for installs, insurance, and repair and replacement of worn gear. Equipment and vehicles are the fixed costs that lawn care equipment financing is built for.
Landscaping equipment financing and lawn care equipment loans
Landscaping equipment financing covers commercial zero-turn and stand-on mowers, compact tractors and skid steers, trenchers, aerators, trailers and work trucks. A lawn care equipment loan ties each machine to its own payment, and partners weigh the resale value of commercial mowers and trailers. See equipment financing for loan, lease and finance agreement options.
Working capital for landscaping crews
Working capital for landscaping companies covers crew wages and materials on installation jobs until the client pays. If those gaps repeat every month, a line of credit may fit, drawn for each install and repaid when it is paid.
Illustrative example: adding a second commercial mower
Hypothetical figures, not an offer. A commercial mower costs $16,800. Financed over 48 months at an assumed annual rate of 10 percent, the payment is about $426 a month. If the company bills $55 for an average maintenance stop, about 8 extra stops a month cover the payment. If the mower lets a second crew add a full route, the added stops are weighed against the payment the same way; if it only replaces an older machine, the case rests on time saved.
Check the route math with your own pricing before deciding the term. A mower that will be worn out in four years should not be financed over six.
Installs, irrigation and the first employee
Irrigation systems and hardscape such as patios, walls and walkways carry more material cost than maintenance and may be paid in installments. A company adding install work may wait longer for money than monthly maintenance billing does, and can plan a line of credit around it.
For an owner-operator, hiring the first crew member changes the cash picture: wages every payday, payroll taxes and registration. The California employer account guide covers the registration and a cash checklist for first payrolls.
Commercial grounds contracts
Grounds contracts with offices, retail centers and homeowner associations can be billed monthly and can run for a year or more. They can make income more predictable, but they also commit the company to crews and machines for the whole contract. Match any equipment term to the contracts the machine will serve, and keep a list of contract end dates ready when you apply.
Landscaping in Shasta County, CA
County Business Patterns counted 65 landscaping services establishments (NAICS 561730) with employees in Shasta County in 2023, 43 of them (66.2%) with fewer than five employees, and 13 in ZIP 96001. Nonemployer Statistics, a separate program, counted 263 landscaping businesses without employees in 2024. The two programs and years are kept separate and are not compared.
Landscaping sits next to the building trades; see the construction and contractor page for builders and specialty trades.
What partners usually review
- Bank statements showing route and project deposits
- A list of recurring maintenance accounts
- Quotes for mowers, trailers or trucks
- Existing equipment and vehicle payments
- Time in business
Browse all industries or see the Redding, CA data page for county figures.
